Personal

Best for 

Making small balances earn big returns and heavy monthly use.  

Features 

• This is a reverse tier account, which means you’ll earn bigger returns on smaller balances, and smaller returns on bigger balances. 

• Earn up to 6.00% APY* on your first $2000 each month. That’s up to $120 a year. Then your next chunk of cash will make you 3.00% APY* and so on.
  See all APY rate tiers.

• No minimum balance requirement

• No monthly maintenance fee

• Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases

• Early paycheck

• Courtesy Pay up to $500

• Even if you don't meet all the monthly requirements (they're listed below) to get up to 6.00% APY, you're guaranteed to earn .01% interest.

What’s the catch?

• Make at least 16 debit/credit transactions every month to get the best APY 

• Set up a minimum of one $500 recurring direct deposit or ACH payments per month to get the best APY

• Enroll in e-statements 

Best for 

Ultra-easy checking without monthly maintenance fees or restrictions.

Features 

• No minimum balance required 

• No monthly maintenance fee

• No monthly minimum debit/credit card transactions per month

• No monthly minimum direct deposit

• Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases

• Early paycheck

• Courtesy Pay up to $200

What’s the catch?

You don’t earn interest on your balance 

Best for 

Members with high balances who want to earn interest.

Features  

• Earn from 0.00% – 0.15% APY*

• No monthly minimum direct deposit requirement 

• Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases

• Get your direct deposit pay up to two days early

• Courtesy pay up to $750

What’s the catch?

• Monthly maintenance fee of $10 

• There’s a minimum balance requirement of $2,500 

• If your average daily balance drops below $2,500, you’ll be charged a $10 fee